Driving violations can impact insurance rates for years (but not forever) Insurers typically consider violations on your record for three years after the infraction, though certain activities can impact auto insurance rates even longer. A DUI violation in California, for example, will impact a driver’s insurance rate for 10 years. While violations often no longer count after three years, drivers usually aren’t … Read More

Least Stolen Cars HLDI had fewer theories about why no one seems interested in stealing the 3 Series, though it said that the fact that Teslas need to be charged—usually in a more secure location like a garage and not on the street—might account for its low numbers.

If your car is stolen, gap insurance covers the difference between what the vehicle is worth and the amount you still owe. The list is put together by the Highway Loss Data Institute, an arm of the Insurance  Institute for Highway Safety. The HLDI derived its data from the insurance claims people filed for stolen vehicles.

How Do Tickets Impact Car Insurance Rates in Arizona? If you get a ticket, your auto insurance premiums will probably rise. How much your rates rise depends on the severity of the violation, your car insurance company’s pricing standards, and differing local insurance risks and regulations. That’s why tickets may have a different impact on insurance in your state compared … Read More

The Most Expensive Violations Vary by State Getting a ticket for a driving violation can raise your car insurance rate no matter where you live, but the additional costs vary dramatically across state lines. For example, a drunk or drugged driving violation (DUI) can increase rates 181% ($3,200+) in California, while in Indiana the same offense raises rates only 42% … Read More

2) The More Severe the Violation, the Bigger the Insurance Penalty While violations like not buckling your seatbelt are pretty straightforward, others come with degrees of severity. If you’re caught speeding, for example, just how fast you were going over the speed limit will impact the size of your insurance penalty.   Getting ticketed for driving 6-10mph over the speed … Read More

How Claims Impact What You Pay for Car Insurance   Claim Insurance Rate Increase by % Insurance Rate Increase by $ One Medical/Personal Injury Claim 0.3% $4 One Comprehensive Claim 4.4% $64 Two Medical/Personal Injury Claims 5.5% $80 Two Comprehensive Claims 10.7% $158   A medical or personal injury claim pays for medical treatments and recovery costs for those injured … Read More

A Single Traffic Ticket Can Raise Car Insurance Costs as Much as 82% The traffic violation with the single biggest impact on car insurance rates is leaving the scene of an accident — a “hit and run.” Drivers charged with this crime can expect to pay on average 82% (or $1,200+) more per year for car insurance. However, insurance penalties … Read More

Q: How will I know I’m impaired, and why should I care? A: Alcohol steadily decreases a person’s ability to drive a motor vehicle safely. The more you drink, the greater the effect. As with BAC, the signs of impairment differ with the individual. Drivers with a BAC of .08 are approximately 4 times more likely to crash than drivers with a BAC of zero. At a … Read More